Add-on coverage can be appended to your car insurance policy at an additional fee.  These add-ons vary from company to company and can be added as separate premium items or included in augmented polices.  The most popular are:

1. Rental Reimbursement, covering any rental vehicle you may need after your car is damaged or stolen;
2. Towing and Labor coverage to handle the cost of a breakdown on the road; and
3. Gap Coverage which protects the value of your new car in the event it’s totaled in an accident by paying the difference between the actual cash value you receive for the car and the amount left on your car loan.

Be Prepared to Show Proof of Insurance

When you’re registering your car, when you’ve been in an accident, and any time you’re pulled over by the police, chances are you will be required to show proof of car insurance.  It is a good idea to keep the car insurance card inside the vehicle at all times, rather than carrying it with you in your wallet. That way the proof of car insurance and the vehicle will always be together, no matter who is driving. 

Hefty fines, driver’s license suspension, and jail time are just a few of the consequences you might face by driving without auto insurance. When you consider the cost of these consequences with the cost of being prepared, the choice is easy; save yourself the headache – drive insured.